Los Angeles Bad Faith Insurance Lawyer

You buy insurance for peace of mind, hoping that you will never need it. You pay for insurance to protect you, your family or your business. You trust that your insurance company will be there for you in your time of need. Often they are not. Insurance companies exist to make money. They are experts at finding loopholes and delaying claims. Instead of helping you in your time of need, they often deny, delay or underpay your claim.

The Law Offices of Scott Glovsky serve bad faith insurance individuals and businesses insurance policyholders throughout Los Angeles, the San Gabriel Valley and California who have legal needs resulting from disputes with their insurance providers. Scott Glovsky is recognized as one California’s most experienced, compassionate and trusted insurance law attorneys.

The Law Offices of Scott Glovsky recently finalized a settlement with Kaiser Foundation Health Plan requiring one of California’s largest health plans to set aside over $9 million for autistic children and their parents for behavioral therapy that Kaiser did not provide.

Insurance Bad Faith Explained

When an insurance company denies, delays or underpays your insurance claim for bad reasons, it commits an injustice. But it takes a group of lawyers to convince the courts that this injustice should be more than a breach of contract. Your insurance is evidenced by an agreement or contract between you and your insurance provider. Historically, the courts only looked at this contract to determine damages and remedies. Under such circumstances, the worst an insurance company might have had to pay was what they agreed to pay in the first place.

But several years ago, law firms interested in punishing badly-behaved insurance companies for failure to pay or provide services to their policyholders suggested that insurance companies have a duty beyond their contracts–a duty of good faith and fair dealing to the persons or businesses they insure. The courts agreed, and today, this duty is referred to as the “implied covenant of good faith and fair dealing:” a duty which exists by operation of law in every insurance contract. If an insurance company breaches this covenant, the policyholder may sue the company on a tort claim (for bad faith) in addition to a standard breach of contract claim. Under tort law, the plaintiff may recover punishment damages – damages for behaving badly.

The specific duties of an insurance company vary by type of claim (“first party” or “third party”) and industry (health, property, life, etc.). Generally, an insurance company must have policies and procedures in place to review and pay claims. They must investigate claims, determine coverage and pay proper values. They must follow applicable laws and regulations.

When they violate one or more of these, they may be acting in bad faith. Los Angeles bad faith insurance attorney Scott Glovsky used to work for large insurance companies and defend them against bad faith claims. But he strongly disliked this work. He felt much closer to the policyholders who had their insurance claims denied, often under questionable circumstances. Mr. Glovsky switched sides to work for policyholders – the people and companies that trusted their insurance companies. Today, Mr. Glovsky runs his own firm, The Law Offices of Scott Glovsky, and they work all over California ensuring that insurers pay for claims and provide the treatments and services that their policyholders need and deserve.

Los Angeles Patients At Risk

How bad can an insurance claim denial get? One of Scott Glovsky’s recent clients complained to her doctors about painful headaches that would not go away. Her insurance provider denied her request to have an MRI (an expensive brain imaging test that reveals more details about the brain than other tests like an X-Ray). Mr. Glovsky’s client passed out while traveling overseas and was hospitalized. The hospital ordered an MRI and found a brain tumor that could have killed her. Mr. Glovsky’s clients have been denied stem cell treatments, liver transplants and other treatments capable of extending their lives or preventing their death.

Hiring a Bad Faith Insurance Attorney in Los Angeles

As a young lawyer, Mr. Glovsky spent the first phase of his career defending insurance companies in bad faith lawsuits. He did not enjoy defending these lawsuits. He felt for the people suing the insurance company, not the insurance company defending their questionable reasons for denying, delaying and underpaying claims.

Los Angeles bad faith insurance lawyer Scott Glovsky learned that large insurance companies put in place procedures and policies designed to process large amounts of paperwork and reap the insurance company huge profits. They don’t focus on people. This focus on paper, not people, gets people hurt.

The Law Offices of Scott Glovsky focuses on people and fights to protect your rights. We fight liability insurers, life insurers, disability insurers, and property insurers. We also help individuals fight their health insurance companies and health plans to obtain appropriate treatment for medical conditions and reimbursement for denied medical treatment. If your insurance company has delayed or denied your claim, or is not treating you fairly, we want to help. Call us at (877) 316-2093 or click the button below to fill out our online contact form.

Client Review

Review Description: Scott is an amazing lawyer and person. He is extremely knowledgeable when it comes to insurance and insurance bad faith, and he backs it up by going to trial. His compassion and caring is contagious and if I need a lawyer for a bad faith case, Scott is my guy.